Group discount is when you get a group together and apply as a group. This is often done by companies and fleet owners. Individuals can do this as well if there is a common bond between the persons joining the group. For instance, a family group discount or a community organization with more than 5 members all agreeing to apply with the same insurance carrier.

Multiple Car insurance refers to one owner with several cars. You can request for either a lower rate or other possible options like a no increase for 2 years, etc. Discounts are more welcome from loyal customers so it would be a good idea to build a history with one insurance company if you want a sizable discount.